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XML Schema Validation Failed

1095-B: XML Schema Validation Failed on the 1095-B typically arises when someone enters the signature, title, date on the 1094-B.  The boxes are on the 1094-B form.  But if you look in the back of Publication 5165, it says:

Is the XML data tag <p1:JuratSignaturePIN></p1:JuratSignaturePIN>
required in the 2015 Form Data File?

• Signature data are not required for TY2015.
• Do not include signature information in your XML.

For tax year 2015, do not include the signature, title, date on the 1094-B and you can avoid this XML Scheme Validation error.

1095-C: Part II on IRS Form 1095-C is Employee Offer and Coverage.  A common error arises from Boxes 14, 15 and 16 that we discuss below.

We prepare and electronically file XML files to the IRS.  For Boxes 14, 15, 16, we can efile this code

<EmployeeOfferAndCoverageGrp>
<AnnualOfferOfCoverageCd>1E</AnnualOfferOfCoverageCd>
<AnnlShrLowestCostMthlyPremAmt>128.00</AnnlShrLowestCostMthlyPremAmt>
<AnnualSafeHarborCd>2C</AnnualSafeHarborCd>
</EmployeeOfferAndCoverageGrp>

Here Annual Offer of Coverage has data and Monthly Offer of Coverage does not exist.  Another way of saying this is Boxes 14, 15 and 16 have data in ‘All 12 Months’ and January through December are blank.

We can transmit this as well:

<EmployeeOfferAndCoverageGrp>
<MonthlyOfferCoverageGrp>
<JunOfferCd>1C</JunOfferCd>
<JulOfferCd>1C</JulOfferCd>
<AugOfferCd>1C</AugOfferCd>
<SepOfferCd>1C</SepOfferCd>
<OctOfferCd>1C</OctOfferCd>
<NovOfferCd>1C</NovOfferCd>
<DecOfferCd>1C</DecOfferCd>
</MonthlyOfferCoverageGrp>
<MonthlyShareOfLowestCostMonthlyPremGrp>
<JuneAmt>97.88</JuneAmt>
<JulyAmt>97.88</JulyAmt>
<AugustAmt>97.88</AugustAmt>
<SeptemberAmt>97.88</SeptemberAmt>
<OctoberAmt>97.88</OctoberAmt>
<NovemberAmt>97.88</NovemberAmt>
<DecemberAmt>97.88</DecemberAmt>
</MonthlyShareOfLowestCostMonthlyPremGrp>
<MonthlySafeHarborGrp>
<JunSafeHarborCd>2C</JunSafeHarborCd>
<JulSafeHarborCd>2C</JulSafeHarborCd>
<AugSafeHarborCd>2C</AugSafeHarborCd>
<SepSafeHarborCd>2C</SepSafeHarborCd>
<OctSafeHarborCd>2C</OctSafeHarborCd>
<NovSafeHarborCd>2C</NovSafeHarborCd>
<DecSafeHarborCd>2C</DecSafeHarborCd>
</MonthlySafeHarborGrp>
</EmployeeOfferAndCoverageGrp>

Here Annual Offer of Coverage is blank (nothing is transmitted) and Monthly Offer of Coverage has data for specific months. All months can be filled out as well or any combination combination.

But if we transmit something like this

<EmployeeOfferAndCoverageGrp>
<AnnualOfferOfCoverageCd>1E</AnnualOfferOfCoverageCd>
<MonthlyShareOfLowestCostMonthlyPremGrp>
<JuneAmt>97.88</JuneAmt>
<JulyAmt>97.88</JulyAmt>
<AugustAmt>97.88</AugustAmt>
<SeptemberAmt>97.88</SeptemberAmt>
<OctoberAmt>97.88</OctoberAmt>
<NovemberAmt>97.88</NovemberAmt>
<DecemberAmt>97.88</DecemberAmt>
</MonthlyShareOfLowestCostMonthlyPremGrp>
<MonthlySafeHarborGrp>
<JunSafeHarborCd>2C</JunSafeHarborCd>
<JulSafeHarborCd>2C</JulSafeHarborCd>
<AugSafeHarborCd>2C</AugSafeHarborCd>
<SepSafeHarborCd>2C</SepSafeHarborCd>
<OctSafeHarborCd>2C</OctSafeHarborCd>
<NovSafeHarborCd>2C</NovSafeHarborCd>
<DecSafeHarborCd>2C</DecSafeHarborCd>
</MonthlySafeHarborGrp>
</EmployeeOfferAndCoverageGrp>

Or any combination of this code where your reporting Annual and Monthly Offer of Coverage for a particular employee, then you get the error

XML Schema Validation Failed – not well formed or missing required elements

The solution is the stay consistent.  If you are reporting Annual Offer of Coverage, then only report Annual and that means you have data in Boxes 14, 15, 16 in All 12 Months only.  If you are reporting Monthly Offer of Coverage, then report Monthly and leave Annual Offer of Coverage blank.  Stay consistent.

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Erich J. Ruth

Erich J. Ruth provides technical support for National Software which is the parent company for 1099FIRE. 1099FIRE develops and markets a comprehensive range of products that enables any size of business or institution to effectively manage and comply with year-end filing requirements. 1099FIRE is an employee-owned company located in Phoenix, Arizona.

If you have any questions or comments about our software, feel free to contact us at any time.

Categories: 1095 Forms Tags: ,
  1. J Jones
    April 4th, 2016 at 09:54 | #1

    What if you want to report annual amounts but you are not required to report a value on Line 15? For example, if I have 1A/2C for all 12 months. Currently the system outputs the following which is rejected:

    1A
    2C

    Basically, I’m thinking I need a blank AnnlShrLowestCostMthlyPremAmt element so something like:

    1A

    2C

    Thanks!

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  2. J Jones
    April 4th, 2016 at 09:57 | #2

    What if you want to report annual amounts but you are not required to report a value on Line 15? For example, if I have 1A/2C for all 12 months. Currently the system outputs the following which is rejected:

    1A
    2C

    Basically, I’m thinking I need a blank AnnlShrLowestCostMthlyPremAmt element so something like:

    1A

    2C

    Thanks!

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  3. April 4th, 2016 at 21:03 | #3

    I remember an IRS agent telling me many months ago “dont efile blank”. The original test scenarios
    the IRS distributed were story’s and based on the information in the story you had to put together the 1094/1095 forms then XML then efile. I created an XML field for everything even if blank and
    the IRS agent that reviewed it snapped at me saying “don’t efile blank”. I think the answer is to
    omit that field rather than transmit blank or 0.

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  4. April 6th, 2016 at 23:22 | #4

    I agree with your comments. This article

    http://www.1099fire.com/blog/irs-form-1095-c-line-15-and-16-instructions/

    shows when this situation arises, when Box 15 is empty. If you reinstall the software and let it install over the current version, this should be resolved. The field is omitted. We could have made the field exist with no data but I remember an IRS agent telling me “don’t efile blank” when we were submitting test scenarios. The first round of test scenarios in July of 2015 had these long winded stories and our first XML files had every possible field and if we didnt have data for something, we used the field but transmitted blank. The IRS agent snapped at me said “don’t efile blanks”.

    Try reinstalling from this link

    https://www.1099fire.com/try_now.htm

    Let it install over the current version.

    Call or email anytime.

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